Storage mode

By default, Finta works in pass-through mode. When a sync runs, we fetch data directly from your bank or payment provider and push it to your destination. It works great, but Finta isn’t holding onto any of your data in between. Storage mode changes that. When it’s on, Finta keeps a copy of your financial data on our end. That opens up a few things that aren’t possible in pass-through mode:

• API and MCP access. Use the Finta API or connect Finta as an MCP tool for AI assistants and developer workflows. Your AI tool queries the copy Finta has stored, which updates each time your connections sync. It does not read your bank in real time.
• Spent and available on budgets. Budgets compare your plan with the transactions Finta stores. Without storage mode, you can still set planned amounts in Finta.
• Syncs keep running through bank errors. If a bank connection has an issue, your last-known data is already stored, so your destinations stay up to date.
• Better uptime when providers are down. If your bank’s API has an outage, Finta can still serve your data instead of failing.

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What Finta stores

When storage mode is on, Finta maintains the following:

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Getting started

Turn storage mode on from Settings → Data. Connecting an AI tool to Finta MCP or creating an API key also turns it on. Finta will immediately start pulling in your history. You can watch the progress per connection on that page. Once the backfill is done, storage mode is fully active.

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FAQs

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How long does the initial sync take?

It can take up to 24 hours. Plaid can take that long to deliver full transaction and investment history, and smaller imports finish sooner. Head to Settings → Data for a real-time status update on each connection. Until the import finishes, budgets may be missing some spending, so Spent can read low and Available high. The Budgets page says so under the title while the import runs. If a bank shows Backfill failed, or stays on Backfilling for more than a day, email support@finta.io.

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How far back does Finta import?

About two years of transactions for each connection, counted from when the import starts. If you’ve set a sync start date on a connection, Finta imports everything since that date instead. GoCardless connections are the exception: Finta asks for all the history the bank provides. After the import, new transactions are stored as each sync brings them in.

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What happens when I turn storage mode off?

We delete your stored transactions, holdings, and investment activity from our database. Your bank connections, accounts, balance history, categories, and budgets stay, so your destinations will still sync normally. Budgets lose spent and available until you turn storage mode back on, and MCP and the API return an error for budget requests. See Budgets.

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What happens if I close my account?

Closing your Finta account deletes the same stored data. It’s a hard delete, not an archive.